SQUARETWO FINANCIAL CORPORATION

2016-02-22

Bronx, NY

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: I inquired to Cach LLC in XXXX CO and XXXX XXXX about an debt collection action on my credit report. I made this inquiry on XXXX XXXX, 2016. I have not heard from them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-22

Kailua, HI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-19

Cheyenne, WY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-02-17

NE

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: This complaint is in regards to Square Two Financial. Refer to CFPB case number XXXX regarding CACH, L. L. C. Square Two Financial has utilized my entire social security number to include date of birth on the pfd document listed with this complaint. The initial complaint was with CACH, L. L. C. and not Square Two Financial. This is in breach of the following : 1. Identity Theft Assumption and Deterrence Act of XXXX 2. Privacy Act of XXXX XXXX. Social Security XXXX 4. XXXX Privacy Act-which carries a maximum XXXX fine for each calendar cap year. 5. Breach of Title XXXX, XXXX XXXX XXXX XXXX under XXXX and XXXX The solution is to have CACH, L.L.C handle this correction and not Square Two Financial. Two Square Financial submitted the XXXX XXXX XXXX with their subscriber name on the form listed on CFPB case # XXXX they are rendered liable in this matter. In addition, there is an account number associated with this Universal Data Form and they could use that account number instead of a SSN and DOB which is against XXXX XXXX XXXX This is also includes removal of the XXXX XXXX Form off of CFPB case # XXXX listed as a pdf document attached to this case number. Square Two Financial was contacted at XXXXXXXXXXXX as of XXXX/XXXX/XXXX by e-mail in regards to this matter. In addition, all of my information is not for sale and distribution via fax, fax-scanned, copied, stored in a retrieval system, recorded, transmitted digitally or electronically without my expressed written consent. This information is protected under copyright and publishing laws of XXXX XXXX and XXXX XXXX. This information is protected under the XXXX XXXX XXXX XXXX XXXX under the freedom of speech under XXXX XXXX XXXX to include the Uniform Commercial Codes XXXX and XXXX. These rights are reserved world wide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-02-17

VA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I did not receive documents from the original lender, the original would not respond because the account was sold. After many calls to the collection agency, I then wrote a letter. They refused to supply me with any documentation before I made a payment.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-15

Taft, OH

Disclosure verification of debt

Debt collection: I do not know

Not disclosed as an attempt to collect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-02-10

Ft Lauderdale, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: debts are still reporting in the credit file. however, debts were paid back 2013 as part of settlement.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-04

Griffith, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-04

Orlando, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-02

Santa Fe, NM

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-01

Reno, TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2016-02-01

Boiling Spgs, SC

Taking/threatening an illegal action

Debt collection: Credit card

Seized/Attempted to seize property
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-01-28

CO

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: I received a letter from XXXX XXXX representing CACH LLC on an account being claimed was sold to them by XXXX XXXX XXXX. I contacted CACH LLC in XXXX with documentation supporting that the original creditor was XXXX XXXX on account that was compromised in XXXX. The charges were removed and the account should have been closed as Paid in Full. During this time XXXX XXXX went into bankruptcy proceedings with assets going to both XXXX and XXXX XXXX XXXX. In a system transfer the XXXX account was given to XXXX banks with a system error transfer of fraudulent charges from XXXX XXXX. Both XXXX and XXXX adjusted to reflect interest rates on the fraudulent charges and fees to legitimize the balance as a receivable to both banks. Eventually both banks sold the same account to XXXX collection agencies XXXX XXXX and CACH LLC. XXXX XXXX filed a claim in XXXX XXXX XXXX XXXX and dismissed the case by a judicial ruling without prejudice in XXXX. Now CACH LLC has retained another agency to continue collecting on fraudulent balances that were already ruled on and accepted as fraudulent for the same account. Aside from a balance that is going on XXXX years old and violating CO 's statute of limitations of 6 years, their are several TILA violations from XXXX and XXXX prior to the sale of the account to XXXX XXXX and CACH LLC and a court case being dismissed without prejudice for the fraudulent charges associated with the XXXX account and sold as a receivable to XXXX different banks.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-27

Santa Rosa, CA

Bankruptcy

Credit card:

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-25

Arcadia, CA

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-22

Chicago, IL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-22

MO

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Received demand letter from law firm stating I owe them XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-21

Tacoma, WA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: Cache, LLC filed a garnishment against me on behalf of XXXX XXXX XXXX XXXX. I do not even know who they are. They failed to send me any information regarding this supposedly {$50000.00} loan. They have garnished my personal account and I have no idea who they are. According to the Dept of Licensing, a current investigation is underway to determine and pinpoint their illegal practices.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-19

Marietta, GA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-01-14

Bucks Bar, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-12

Carlsbad, CA

Incorrect information on credit report

Credit reporting:

Public record
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-12

West Salisbury, VT

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Judgment with Reference # XXXX, reported on XXXX/XXXX/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and/or removed from my credit reports.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-09

Fred, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I was in middle of buying a home and the title company found a judgement against me that was n't on my credit.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-06

Key Biscayne, FL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I received a letter from CACH , LLC regarding a debt I never had any business relationship with CACH , LLC. I wrote a ( certified letter ) requesting verification of the debt. CACH , LLC. did not respond ; instead CACH , LLC. proceeded with legal action against me. I want CACH , LLC to verify the debt as allowed under the credit act law.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-01-05

Scottsbluff, NE

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response